As someone born in the UK, grew up in Australia and now in the US, who knows of paying a seven thousand dollar copay after my “platinum” insurance for “elective

As someone born in the UK, grew up in Australia and now in the US, who knows of paying a seven thousand dollar copay after my “platinum” insurance for “elective” surgery to remove a kidney stone that was too big to pass, versus a nine day stay for gout in Australia that resulted in a $38 out of pocket because I wanted premium TV channels in my room.